Debt collection -- Attempts to collect debt not owed -- Complaint #4550559
Complaint Overview
Complaint ID: 4550559
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Maryland
ZIP Code: 206XX
Date Received: 2021-07-17T12:00:00-05:00
Date Sent to Company: 2021-07-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with BJs Wholesale the only card I ever opened with them was a Military Member ID. Neither BJs or Comenity Bank can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through BJs Wholesale
Frequently Asked Questions
What is Complaint #4550559 about?
Complaint #4550559 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-17T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.